Medicare · State of Texas
Medicare for Texas Residents
Texas has 4.5 million Medicare beneficiaries and a fast-growing senior population as Baby Boomers age in. Houston, Dallas-Fort Worth, San Antonio, and Austin each have their own Medicare market dynamics — different carriers, different hospital networks, different pricing. Ten Point Financial Group is a Texas-licensed independent Medicare agency. We help Texans pick plans honestly, regardless of carrier.
4.5M
TX Medicare beneficiaries
$0
Cost to use a Medicare agent
Statewide
Houston · DFW · SA · Austin · rural TX
Why Texas
Texas Medicare markets vary dramatically by metro. In Houston, Aetna, UnitedHealthcare, and Humana compete intensely on Advantage. In DFW, BCBS of Texas has strong Medigap presence and Aetna leads Advantage in many counties. San Antonio favors WellCare and Humana. Austin's market is smaller but growing. Rural Texas counties often have limited Advantage networks — Medigap becomes more important there. We compare across all Texas carriers, match plans to your specific county, and help you pick what fits.
How we help
Turning 65 in Texas
Your 7-month Initial Enrollment Period covers the months around your 65th birthday. We walk Texas residents through Part A, Part B timing, Part D, and the Advantage-vs-Medigap decision.
Comparing Texas Advantage Plans
Texas has 80+ Medicare Advantage plans available in most counties. The differences matter — networks, formularies, max out-of-pocket. We narrow the field to the 3-5 that actually fit your situation.
Medigap in Texas
Texas uses attained-age pricing. Plan G and Plan N are the most popular choices. BCBS Texas dominates Medigap market share but is rarely the cheapest option. We compare across carriers.
Provider Network Verification
Texas has multiple major hospital systems (Memorial Hermann, Baylor Scott & White, Methodist, HCA, Houston Methodist). We verify your providers are in-network before any plan recommendation.
Rural Texas Coverage
Rural Texas counties often have only 1-2 Advantage plans available. Medigap becomes the better choice in many rural areas because Original Medicare works with any provider nationwide.
Annual Enrollment: October 15 to December 7
Every fall, anyone on Medicare can change their Medicare Advantage or drug plan. Any change you make starts January 1. If you do nothing, your plan usually renews as is, even if its costs, network, or drug list changed. That is why a yearly review matters.
What to review before December 7
Your drugs against the plan's drug list
Plans update their drug lists each year. Check that every medication you take is still covered, and at what tier, at the pharmacy you use.
Your doctors and hospitals
Networks change. Make sure your doctors, specialists, and hospital are still in network for next year, not just this year.
Your total yearly cost, not just the premium
Add up the premium, deductibles, copays, and drug costs. A plan with a low premium can cost more over a year if you use a lot of care.
Extra benefits that changed
Dental, vision, hearing, and other extras can shrink or grow from year to year. Read your Annual Notice of Change, which plans mail each fall.
Frequently asked questions
Which Medicare Advantage carriers are strongest in Texas?+
Varies by metro. Houston: Aetna, UHC, Humana. DFW: Aetna, BCBS Texas, Humana. San Antonio: WellCare, Humana. Austin: smaller market. We compare for your specific zip code.
Is Medigap or Advantage better for Texas retirees?+
Depends on your situation. If you travel between Texas metros or out of state, Medigap travels with you. If you stay in one Texas city and want low monthly cost, Advantage can fit. We don't push one or the other — we explain trade-offs.
I live in rural Texas. What are my Medicare options?+
Rural Texas counties often have limited Advantage networks. For many rural Texans, Original Medicare + Plan G (Medigap) is the better fit because it works with ANY provider that accepts Medicare — and that's most providers in rural counties.
Does Texas have community-rated or attained-age Medigap?+
Texas uses attained-age pricing, meaning your Medigap premium increases as you age. We model long-term cost when comparing plans, not just year-1 cost.
Can you help me if I move from another state to Texas?+
Yes. Moving triggers a Special Enrollment Period — you'll need to switch plans to one that works in your new Texas zip code. We handle the transition for new Texas residents at no cost.
When is Medicare open enrollment in Texas?+
The Annual Enrollment Period is the same in Texas as everywhere else: October 15 to December 7. You can join, switch, or drop a Medicare Advantage or drug plan, and changes start January 1. We review Texas clients' plans each fall.
Learn more
Carriers We Represent
We're independent — we shop the market for the policy that fits, not the highest commission.
Carrier logos shown are trademarks of their respective owners. We work with additional regional carriers — ask about a specific plan.
Free Texas Medicare review
Tell us your Texas county, your doctors, and your prescriptions. We'll compare what's available and recommend the plan that actually fits your situation.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.